, they have to hire accountants, just to figure it out and steven hawking doesn't figure this out. it's not going to fix our economy immediately, but remove the biggest obstacle to growth and that's a complicated tax code. i'll tell yu, focusing on little things, little pieces of this, like the mortgage deduction, focusing on bits and pieces, and the problem. the problem is it's just way too complicated and small businesses cannot figure it out. >> brenda: you know, it's interesting though, steve, the other steve not hawking, because a lot of the bigger businesses have been laying off this week, ge, huge numbers coming out and they depend on a lot of these deductions,actually. >> yeah, no i think what we have to-- jim is absolutely right. first of all, steven hawking, would have looked at all this have and call it an alternate universe. it doesn't, you know, it defies the reality that we live in here today. look, our economy is transforming. the consumers, we're not going to prompt them into picking up the negative savings rate and spending that we had before the wall street collapse